The Commerzbank alternative: Find out what makes Kontist different
We’re committed to being completely transparent about what users can expect from us. In this overview, you’ll find a comparison of our business account with the Klassik-Geschäftskonto from Commerzbank – so you can decide with confidence which one is best for you.
- Comprehensive comparison of Kontist and Commerzbank
- Find the best solution for your business
Banking: Kontist vs Commerzbank
Who offers the best banking solutions?
Kontist | Commerzbank | |
---|---|---|
Free bank account | ||
German IBAN | ||
Overdraft facility | Yes (not available for GmbH/UG/GbR accounts) | |
Bank statements | ||
Subaccounts | 3 with Start, 5 with Plus | €15,90 /month per subaccount |
Free SEPA credit transfers and direct debits | 5 to 100/month | unlimited |
Visa Business Debit Card | Virtual and physical | Mastercard Business Debit, |
Automatic tax calculation | ||
Apple Pay & Google Pay | ||
Authorization via biometrics | ||
Standing orders | ||
Batch transfers | ||
Mobile Apps (iOS & Android) | ||
Web app | ||
Real-time notifications |
Bookkeeping & Taxes: Comparison
Find the best integrated accounting solution.
Kontist | Commerzbank | |
---|---|---|
Invoicing tool | ||
Receipt scanning tool | ||
Transfer of VAT to the tax office | available for Plus | |
AI-supported bookkeeping | available for Plus | |
Manually add external transactions | available for Plus | |
Business assets handling | available for Plus | |
Integration with external bookkeeping tools | ||
Business evaluation (Betriebswirtschaftliche Auswertung) | available for Plus |
Export: Kontist vs Commerzbank
Which solution offers better export functions?
Kontist | Commerzbank | |
---|---|---|
CSV Export | ||
MT940 Datev Export | from Start | |
Export of business evaluation | available for Plus | |
DATEV format export incl. documents | available for Plus |
Customer support comparison
Find the banking solution that truly listens to your needs.
Kontist | Commerzbank | |
---|---|---|
Chat & E-Mail | ||
Blog & help center articles | ||
Phone support | ||
In-person support |
Looking for
digital or traditional?
digital or traditional?
Both Kontist and Commerzbank offer basic banking criteria, such as a German IBAN and the ability to send and receive payments. Commerbank offers unlimited SEPA transfers, but Kontist offers integrated tax estimation, an invoicing tool, included subaccounts and many other features that are designed specifically for the day-to-day work of freelancers.
Key Features of the Kontist Business Account
The Kontist business account helps you to keep track of transactions, your cash flow and your tax liability.
Overdraft facility
Avoid the stress of unexpected expenses. Set up an overdraft facility of between €500 and €3,000 directly in your Kontist app.
Real-time tax estimate
For each transaction, Kontist calculates the income and sales tax that’s due. This way, you always see what you have left at the end of the day after taxes.
Auto-categorization
Your business account learns along with you, because categories you change will automatically be applied to similar transactions in the future.
Notes and receipt scan
For each transaction, you can upload the appropriate receipt and add your own notes, which will be displayed during export.
Easy account switching service
With our account switching service, your switch to Kontist is straightforward, free of charge and done online.
Google Pay & Apple Pay
Use contactless payment with your Kontist Visa card and manage everything directly in the app.
10,000s of freelancers trust in Kontist.
"I feel very well taken care of and can wholeheartedly recommend Kontist".
"The best thing about Kontist is that I can see immediately after each transaction how much is left for me and how much goes to the tax office. This saves me from nasty surprises when I file my tax return".